Call reports 2008
DECATUR COUNTY BANK — 2008
What DECATUR COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 88,747,000 | 89,382,000 | 90,449,000 | 88,496,000 |
| Total loans | 46,336,000 | 51,009,000 | 52,177,000 | 55,620,000 |
| Allowance for loan losses | 473,000 | 502,000 | 522,000 | 732,000 |
| Securities available for sale | 35,847,000 | 31,010,000 | 29,327,000 | 27,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,754,000 | 66,779,000 | 68,167,000 | 68,098,000 |
| Interest-bearing deposits | 55,330,000 | 56,038,000 | 58,784,000 | 58,644,000 |
| Noninterest-bearing deposits | 9,424,000 | 10,741,000 | 9,383,000 | 9,454,000 |
| Equity capital | 11,725,000 | 10,666,000 | 10,711,000 | 9,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,788,000 | 4,177,000 | 5,514,000 |
| Interest expense | 642,000 | 1,235,000 | 1,820,000 | 2,408,000 |
| Net interest income | 774,000 | 1,553,000 | 2,357,000 | 3,106,000 |
| Noninterest income | 150,000 | 305,000 | 446,000 | 643,000 |
| Noninterest expense | 686,000 | 1,393,000 | 2,094,000 | 2,953,000 |
| Provision for loan losses | 0 | 24,000 | 33,000 | 252,000 |
| Pretax income | 261,000 | 492,000 | 759,000 | 640,000 |
| Income tax | 15,000 | 20,000 | 31,000 | 24,000 |
| Net income | 246,000 | 472,000 | 728,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,198,000 | 12,286,000 | 12,474,000 | 12,021,000 |
| Total capital | 12,671,000 | 12,788,000 | 12,996,000 | 12,753,000 |
| Risk-weighted assets | 54,243,000 | 58,337,000 | 59,167,000 | 60,530,000 |